As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

Currently; it about 54% to destination!

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Welcome to Ministry of Wealth!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

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Thursday, 27 July 2017

Worry Or Serious Concern Over Adequacy To Meet Their BRS or FRS For CPF RA???

You may NOT like or agree! It is okay!

If someone has to worry or have serious concerns over adequacy to meet their BRS or FRS for  their CPF RA over their lifetime of working till 55; they should be focusing on enhancing or extending their work-life to 62 to 67 and above. 

It is cold hard fact that person or persons are NOT ready to build sustainable retirement income for life!

If we have to worry over BRS or FRS; it is far better to focus on our jobs and becoming better human asset to our employers.


  1. Retirement adequacy or money sufficiency after full time paid employment is a matter of balance and personal adjustment to material needs. We dont need any money if we hv no desire to buy. Perhaps, the term retirement adequacy should change to "retyrement" adequacy, meaning change to a different set of tyre to go at a different pace and so need lesser fuel(money) to power the remaining journey. Carpe diem!

    1. Agreed. If we are willing to "reTYRE"; lesser net worth is required. Meals, utilities, light enlightenment and public transportation don't cost too much.

  2. What you say is almost what i dream of if humans don't have to eat, do we still crave for all the other wants in life?

    Do we still want to work for them?

    For what i don't know?

    Will all be more equal in terms of material possessions or worse?


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